Loading articles
The agreement between you and Finvorais when you read this site. Short version: read it, quote it with credit, don’t republish it wholesale, and don’t treat it as professional advice.
Last updated
By using https://finvorais.com you agree to these terms. If you do not agree with them, stop using the site. We can change these terms — see changes at the end — and continuing to use the site after a change means you accept the revised version.
Anyone legally able to enter into a binding agreement in their own jurisdiction. If you are under the age of majority where you live, you may use the site only with a parent or guardian’s involvement. You must not use the site if a law or sanctions regime that applies to you prohibits it.
There are no accounts, so there is nothing to register for and no credentials to keep secure.
Unless an item states otherwise, everything published here — article text, charts, diagrams, images, the site design and the name and logo — is owned by Penugonda Kalyani or licensed to her, and is protected by copyright and other intellectual property law. Third-party trademarks mentioned in articles belong to their owners; we use them to identify products, not to claim any association.
You get a personal, non-exclusive, revocable licence to read the site, and to view, download, print and store pages for your own use or your organisation’s internal use. Specifically permitted, no permission needed:
Not permitted without written permission:
The line between the two lists is roughly this: if a reader would still have a reason to visit the original, it is a quote; if your copy replaces it, it is republication. If you want to do something in the second list, ask — permission is often granted. Write to hello@finvorais.com.
The site has no comment system and no public posting features. If you subscribe to the newsletter, email us, or otherwise send us feedback, a correction, a tip or a suggestion, you keep ownership of what you sent, but you grant us a non-exclusive, worldwide, royalty-free licence to use it to operate and improve the site — including acting on a correction and, where relevant, describing the issue publicly. We are not obliged to credit you, though we usually will if you want us to.
Do not send us confidential information or anything you do not have the right to share. Unsolicited pitches and ideas are treated as non-confidential.
You agree not to:
robots.txt or rate limits;Articles link out constantly — to agency notices, regulator publications, official statistics and other writers’ work. Some outbound links are affiliate links, disclosed on the disclaimer page and in the articles that contain them. We do not control any site we link to, we are not responsible for its content, availability, accuracy or privacy practices, and a link is not an endorsement. Once you leave, that site’s terms and privacy policy apply, not ours.
The site and everything on it are provided “as is” and “as available”, without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted or error-free, that defects will be corrected, or that the content is accurate, complete or current — although we do review articles on a schedule and correct them when they are wrong. Nothing here is professional advice; see the disclaimer for detail.
Some jurisdictions do not allow the exclusion of certain warranties, so parts of this section may not apply to you.
To the maximum extent permitted by law, neither Finvorais nor its operators, authors or contributors are liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, lost data or business interruption, arising from your use of — or inability to use — this site or anything you found on it, even if we were told such damages were possible.
Where liability cannot be excluded, it is limited in total to USD 100. Nothing in these terms limits liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot lawfully be limited.
You agree to indemnify and hold harmless Finvorais, its operators and its contributors from any claim, loss, liability or expense (including reasonable legal fees) arising from your breach of these terms, your misuse of the site, or your infringement of anyone’s rights through content you copied or redistributed from here.
We may block access to the site, or to particular content, at any time and without notice — for example in response to abuse, scraping, or a breach of these terms. We may also change, move or withdraw any article without notice. The sections on ownership, warranties, liability and indemnification survive after your use of the site ends.
These terms are governed by the laws of India, without regard to its conflict-of-laws rules, and the courts of India have exclusive jurisdiction over any dispute. If you are a consumer, this does not remove the protection of mandatory laws in your own country of residence.
If any provision of these terms is found unenforceable, the rest stays in force. Our failure to enforce a provision is not a waiver of it. These terms, together with the privacy policy, the cookie policy and the disclaimer, are the whole agreement between you and us about the site.
We may revise these terms. When we do, the “last updated” date at the top changes. Material changes will be noted on the site rather than made silently. If you keep using the site after a revision takes effect, you are agreeing to the new version; if you do not agree, stop using the site. Questions: hello@finvorais.com.